Call reports 2015
CITIZENS STATE BANK AND TRUST COMPANY — 2015
What CITIZENS STATE BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 92,497,000 | 89,397,000 | 85,741,000 | 94,270,000 |
| Total loans | 35,791,000 | 40,708,000 | 44,946,000 | 47,429,000 |
| Allowance for loan losses | 334,000 | 361,000 | 400,000 | 410,000 |
| Securities available for sale | 20,894,000 | 22,693,000 | 20,944,000 | 25,619,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,825,000 | 68,568,000 | 65,602,000 | 76,058,000 |
| Interest-bearing deposits | 54,128,000 | 52,150,000 | 49,946,000 | 51,283,000 |
| Noninterest-bearing deposits | 18,697,000 | 16,418,000 | 15,656,000 | 24,776,000 |
| Equity capital | 12,449,000 | 12,434,000 | 12,598,000 | 12,628,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 519,000 | 1,082,000 | 1,707,000 | 2,346,000 |
| Interest expense | 42,000 | 84,000 | 126,000 | 167,000 |
| Net interest income | 477,000 | 998,000 | 1,581,000 | 2,179,000 |
| Noninterest income | 199,000 | 335,000 | 510,000 | 704,000 |
| Noninterest expense | 585,000 | 1,151,000 | 1,736,000 | 2,347,000 |
| Provision for loan losses | 0 | 25,000 | 60,000 | 70,000 |
| Pretax income | 91,000 | 157,000 | 295,000 | 467,000 |
| Income tax | 9,000 | 18,000 | 22,000 | 27,000 |
| Net income | 82,000 | 139,000 | 273,000 | 440,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,396,000 | 12,429,000 | 12,534,000 | 12,684,000 |
| Total capital | 12,730,000 | 12,790,000 | 12,934,000 | 13,094,000 |
| Risk-weighted assets | 51,777,000 | 58,952,000 | 60,739,000 | 62,607,000 |